The landscape is a little different over in Australia. Most of the Big Four are closing as many branches as they can. Branches are no longer a mover or shaker, because most Australians never touch cash anymore. [0] Most transactions are digital.

Almost as many people pay with card as with phone.

Faster record systems, faster transfers, actually do win people over here.

[0] https://www.rba.gov.au/publications/bulletin/2023/jun/cash-u...